Thread: "However....... any charges that accrue in the future must stand."

Apologies if this has been discussed elsewhere on the forums, but I've had a look round and I can't find anything on it, so here goes.........

When my bank sent me a letter in response to my lba, offering around 2/3 of the total claimed, "in Full and final settlement", there was a clause included saying "However our terms and conditions will continue to apply and any charges that accrue in the future must stand.". Is this legally enforceable?

Surely having agreed to the (unfair) terms and conditions when I opened the account, then challenged them, what is to stop me challenging them again when and if more charges are applied to my account, whether I agree to them again or not? To my layman's understanding I don't believe it can be enforced, although I am relying on common sense rather than a specific knowledge of the laws.

Any help would be appreciated, and I stand to be corrected if needed.

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What would be the reaction of the Court, if a bank robber having been
convicted of the crime stated that he would serve his sentence, but when he
came out he was then free to rob banks without ever being arrested again.

Exactly.

Originally Posted by lookinforinfo

What would be the reaction of the Court, if a bank robber having been
convicted of the crime stated that he would serve his sentence, but when he
came out he was then free to rob banks without ever being arrested again.

Exactly.

thats a good way of putting it I like that phrase

Originally Posted by EvilScotsman

Apologies if this has been discussed elsewhere on the forums, but I've had a look round and I can't find anything on it, so here goes.........

When my bank sent me a letter in response to my lba, offering around 2/3 of the total claimed, "in Full and final settlement", there was a clause included saying "However our terms and conditions will continue to apply and any charges that accrue in the future must stand.". Is this legally enforceable?

Surely having agreed to the (unfair) terms and conditions when I opened the account, then challenged them, what is to stop me challenging them again when and if more charges are applied to my account, whether I agree to them again or not? To my layman's understanding I don't believe it can be enforced, although I am relying on common sense rather than a specific knowledge of the laws.

Any help would be appreciated, and I stand to be corrected if needed.

the banks seem to think that, if they have a rule, its as good as law. morons

if they charge you again, take them to court again. and enjoy your refund. again